If you're in business, you don't need me to tell you that you've made sacrifices.
While your employed friends might have put in for annual leave - sometimes with increasingly large entitlements over their careers - you've probably slogged on through, sometimes with barely a weekend to yourself.
Why do we do it? Of course there's the gratification that comes from being your own boss. It's rewarding to set out on a goal and achieve it through your own hard work.
But there's another reason: Most people hope that at some point their business will be worth something and the time and hard work they have invested will pay off financially.
If you are getting near retirement, it could be time to start thinking about how to maximise the value in your business.